Techniker Krankenkasse: Is It Private Insurance?

Techniker Krankenkasse (TK) is a public health insurance company in Germany. It is one of the country's largest health insurers, with over 10 million members. TK is a non-profit organisation, like all public health insurers in Germany, and is run for the public benefit. It offers a range of benefits, including dental and medical appointments, assistance with obtaining medication, and international coverage. Membership is available to anyone who is compulsorily insured in Germany, and the insurer is not allowed to refuse anyone. The cost of TK health insurance depends on income and situation, with contributions ranging from 15.5% to 17.3% of gross income.

Techniker Krankenkasse is a public health insurance company in Germany

Techniker Krankenkasse (TK) is a public health insurance company in Germany. It is one of the country's gesetzlichen Krankenkassen, meaning that it is a public insurer. TK is Germany's largest public health insurer, with over 10 million members. It is also well-regarded, having been named Germany's best health insurance fund by Focus Money many times.

TK is a non-profit company, like all public health insurers in Germany. It is run for the public benefit and only charges small supplementary fees to fund its operating expenses. In accordance with German Federal Law, TK provides statutory healthcare support, including dental and medical appointments, and assistance with obtaining medication.

TK offers a range of benefits to its members, including:

• Coverage for visits to general doctors, as long as the doctor has a license as a statutory health insurance doctor
• Hospital care and surgeries, with a co-payment of 10 euros per day for up to 28 days per calendar year
• Preventative dental examinations twice a year
• Screening examinations, such as a yearly visit to a gynecologist or dermatologist
• Vaccinations recommended by the Standing Vaccination Commission (STIKO) in Germany
• Medication prescribed by a doctor, with a co-payment of 5 to 10 euros
• Partial coverage for glasses
• Coverage for family members with no income or only marginal income
• Coverage for students up to the age of 25 if they are in school or vocational education

TK also offers an English website, sign-up process, and customer support, making it a popular choice among expats. The company provides excellent coverage at relatively low costs, with the price of public health insurance depending on one's income and situation.

TK is the largest health insurer in Germany, with over 10 million members

Techniker Krankenkasse (TK) is the largest health insurer in Germany, with over 10 million members. It is a public health insurance provider and is one of the country's largest insurers, with over 11 million members. TK has been named Germany's best health insurance fund by Focus Money magazine multiple times.

TK offers a range of benefits to its members, including excellent customer service, comprehensive health packages, and innovative digital services. The insurer is also known for its strong multi-lingual support, providing services in English, Spanish, Polish, Turkish, Mandarin, and Arabic. TK's customer service can be accessed via phone, chat, and in-person at over 200 branches across Germany.

The cost of TK health insurance is based on a percentage of the member's income, with contributions ranging from 15.5% to 17.3% of gross income. TK's contribution rate is well below the average for statutory health insurance funds, and the insurer keeps administrative costs low, averaging €103 per customer.

TK provides a wide range of health coverage, including general doctor visits, hospital care and surgeries, primary dental care, screening examinations, medicine, vaccinations, glasses, family cover, and coverage abroad within the EU. The insurer also offers a bonus program where members can earn points for attending check-ups and exercising, which can be converted into rewards.

TK is a popular choice among expats and residents, with high ratings in customer satisfaction, service quality, healthcare provider networks, and innovative healthcare programs. The insurer is also accepted for visa applications and provides unemployment coverage for those who have worked in Germany for a minimum of 12 months.

TK offers a bonus program where customers can earn points for rewards

Techniker Krankenkasse (TK) is a public health insurance company in Germany. It is the largest health insurer in the country, with over 10 million members. TK is a non-profit company, like all public health insurers in Germany.

TK also offers excellent customer service, with support available in multiple languages, including English, Spanish, Polish, Turkish, Mandarin, and Arabic. The website is available in multiple languages, and the application process can be completed entirely in English.

In terms of coverage, TK provides comprehensive benefits, including general doctor visits, hospital coverage, dental care, screening examinations, vaccinations, medication, glasses, and international coverage within European member states. Family members can also be covered for free if they have no income or only a marginal income.

The cost of TK health insurance is calculated as a percentage of the individual's gross income, with the price for 2022 set at 15.8% of gross income. Employees in Germany typically have half of the contributions covered by their employer.

Overall, TK is a popular choice for health insurance in Germany, especially among expats, due to its multilingual support, comprehensive coverage, and competitive pricing.

TK covers the cost of dental check-ups and contributes towards fillings, crowns, and dentures

Techniker Krankenkasse (TK) is a public health insurance provider in Germany. It covers the costs of dental check-ups and contributes towards fillings, crowns, and dentures.

Dental Check-ups

TK covers the cost of one dental check-up every six months for adults. There must be at least four months between appointments. This includes the removal of hard dental plaque (tartar) once a year. TK also covers dental check-ups for children from the age of six months up to their 18th birthday.

Fillings

TK covers the cost of several types of dental fillings, including amalgam fillings and plastic (composite) fillings for the front teeth. For pregnant and nursing women, children under 15, and those with severe renal insufficiency or amalgam allergies, TK also subsidises plastic fillings for side teeth. Inlays are covered up to the cost of a comparable amalgam filling. If you choose a different type of filling or filling material, you will need to pay the additional costs yourself.

Crowns

Crowns are partially covered by TK, with the percentage covered depending on your Bonusheft (dental bonus booklet). This records your previous dental check-ups and can result in a higher allowance for dental prostheses if needed.

Dentures

If you need dentures, TK can pay a portion of the cost. The amount covered depends on your attendance record of regular dental check-ups, as recorded in your Bonusheft.

TK insurance covers necessary examinations during pregnancy

Techniker Krankenkasse (TK) is a public health insurance fund in Germany. It is the largest public health insurance in the country, with over 11 million insured people. TK is also a favourite insurer among expats. The company offers an English website and sign-up process and supports several other languages, including Spanish, Polish, Turkish, Mandarin, and Arabic.

TK also covers the costs of comprehensive healthcare for pregnant insured individuals by statutory health insurance doctors and midwives. This includes postnatal exercise classes, delivery in a hospital, birth centre, or at home, home care after childbirth, and domestic help if necessary. TK also provides medication containing iron, magnesium, folic acid, and iodide.

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